Senior Credit Risk Manager / DirectorLocation: New YorkLanguage: English required; additional language proficiency a plusWhy this role exists and what success looks likePortfolio resilience:Within one month of starting, define and model a path to a portfolio capable of absorbing a 100% increase in losses without gross margin falling below a defined threshold.Early momentum:Identify and launch at least one experiment within three months that improves approval strategy, credit limits, pricing, or loan duration. Within four months, at least one live experiment should demonstrate a 1 percentage-point increase in gross profit within the treatment group.Sustained gross profit generation:Within the first year, generate $1M in cumulative incremental gross profit attributable to implemented credit policy changes and experiments. Within two years, reach $5M in cumulative incremental gross profit.Experience & Scope NotesThere is no strict years-of-experience requirement. However, to operate effectively at this level and within the expected compensation range, successful candidates typically bring approximately 6–12 years of relevant experience.This is a senior individual contributor role. Impact is expected to be driven primarily through analysis, experimentation, code, and automation rather than people management. Leadership opportunities may emerge over time where outcomes are best achieved through team expansion. In a fast-growing environment, personal effectiveness—not resource availability—will be the primary limiter of impact.Relevant background:At least one year of experience in either non-prime consumer lending or consumer lending within emerging markets. Experience across both is a strong advantage.Analytical independence:Demonstrated ability to produce technically correct analysis without requiring validation from others. Advanced SQL proficiency is required.Autonomy and ownership:Once familiar with the product and customer base, you proactively identify opportunities for improvement and independently drive initiatives to completion.Comfort with challenge:Ability to receive and engage constructively with critical feedback from leaders and stakeholders, including having assumptions and conclusions questioned.Influence and persuasion:Capacity to gain alignment and drive adoption of decisions that may be unpopular but are critical to financial health and risk management.Risk mindset:Naturally vigilant about downside risk and profit erosion; inclined to dig beyond surface-level explanations and continuously question potential failure modes.Communication and executive presence:Clear, confident communicator capable of managing expectations and presenting credibly to senior stakeholders. Communication should be structured, concise, and easy to follow.

We are delighted to be working exclusively with a confidential client — an innovative, technology-led business operating at the intersection of AI-driven underwriting, consumer lending, and risk management.  On their behalf, we are seeking a Senior Credit Risk Analyst to join a lean, high performing Risk Management team. This is a hands-on, high-ownership role that will suit an experienced credit risk professional who is ready to step away from a large, heavily structured environment and take on genuine analytical accountability - with direct visibility to senior leadership. Our client is a specialist financial technology company whose core product suite includes an AI-powered underwriting and risk-based pricing platform, used by credit unions and lenders across the country. They hold established partnerships with major automotive lending institutions and in 2025 launched a new product line expanding into prime auto lending. The Risk Management team is small by design — collaborative, technically rigorous, and highly effective. With three analysts currently in place, the team is split between front-end analytics covering origination and pricing, and back-end analytics focused on portfolio performance and profit share modelling. What the Role Involves •    Monitoring and analyzing credit risk exposure across loan origination and portfolio performance •    Tracking approval rate drivers, flow metrics, and origination trends, reporting findings to senior leadership •    Building and maintaining performance models and profit share forecast models •    Conducting pricing analysis and optimization in close collaboration with the Actuarial & Decision Science team •    Developing and monitoring credit policies, procedures, and lending stipulations •    Assessing the impact of credit policy changes on loan volume and overall credit performance •    Using data mining and advanced analytical tools to quantify and mitigate credit risk •    Designing and executing ad hoc research projects from scoping through to executive-level presentation •    Communicating clearly and regularly with senior stakeholders on credit performance and origination trends Essential Requirements •    4 years of experience in credit risk analytics within consumer lending (secured or unsecured) •    Strong SQL capability with demonstrable experience querying large, multi-table datasets •    Proficiency in Python, SAS, or R for data mining and analysis (Python strongly preferred) •    Expert-level Microsoft Excel skills including complex workbook development and spreadsheet modelling •    Solid understanding of loan origination metrics and consumer lending portfolio dynamics •    Strong written and verbal communication skills — the ability to translate complex analysis into clear executive insight •    Highly organized, with proven ability to manage multiple workstreams under pressure and to deadline •    Collaborative and proactive in working with internal stakeholders Desirable •    Background in larger corporate environments with a desire for greater ownership and autonomy •    Master's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field •    Familiarity with auto lending, structured risk products, or insurance-linked financial structures Education •    Bachelor's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field — required •    Master's degree in a related field — preferred Why This Opportunity Stands Out •    A highly differentiated product in the auto lending market — you will be working on something technically interesting and commercially significant •    A small team with a flat structure — your work will be seen, valued, and acted upon at the highest levels of the organization •    Flexible working arrangements with a collaborative, close-knit team culture •    Strong employer commitment to technical training and career development •    Excellent total compensation — competitive base with a meaningful and well-structured bonus scheme We are delighted to be working exclusively with a confidential client — an innovative, technology-led business operating at the intersection of AI-driven underwriting, consumer lending, and risk management.  On their behalf, we are seeking a Senior Credit Risk Analyst to join a lean, high performing Risk Management team. This is a hands-on, high-ownership role that will suit an experienced credit risk professional who is ready to step away from a large, heavily structured environment and take on genuine analytical accountability - with direct visibility to senior leadership. Our client is a specialist financial technology company whose core product suite includes an AI-powered underwriting and risk-based pricing platform, used by credit unions and lenders across the country. They hold established partnerships with major automotive lending institutions and in 2025 launched a new product line expanding into prime auto lending. The Risk Management team is small by design — collaborative, technically rigorous, and highly effective. With three analysts currently in place, the team is split between front-end analytics covering origination and pricing, and back-end analytics focused on portfolio performance and profit share modelling. What the Role Involves •    Monitoring and analyzing credit risk exposure across loan origination and portfolio performance •    Tracking approval rate drivers, flow metrics, and origination trends, reporting findings to senior leadership •    Building and maintaining performance models and profit share forecast models •    Conducting pricing analysis and optimization in close collaboration with the Actuarial & Decision Science team •    Developing and monitoring credit policies, procedures, and lending stipulations •    Assessing the impact of credit policy changes on loan volume and overall credit performance •    Using data mining and advanced analytical tools to quantify and mitigate credit risk •    Designing and executing ad hoc research projects from scoping through to executive-level presentation •    Communicating clearly and regularly with senior stakeholders on credit performance and origination trends Essential Requirements •    4 years of experience in credit risk analytics within consumer lending (secured or unsecured) •    Strong SQL capability with demonstrable experience querying large, multi-table datasets •    Proficiency in Python, SAS, or R for data mining and analysis (Python strongly preferred) •    Expert-level Microsoft Excel skills including complex workbook development and spreadsheet modelling •    Solid understanding of loan origination metrics and consumer lending portfolio dynamics •    Strong written and verbal communication skills — the ability to translate complex analysis into clear executive insight •    Highly organized, with proven ability to manage multiple workstreams under pressure and to deadline •    Collaborative and proactive in working with internal stakeholders Desirable •    Background in larger corporate environments with a desire for greater ownership and autonomy •    Master's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field •    Familiarity with auto lending, structured risk products, or insurance-linked financial structures Education •    Bachelor's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field — required •    Master's degree in a related field — preferred Why This Opportunity Stands Out •    A highly differentiated product in the auto lending market — you will be working on something technically interesting and commercially significant •    A small team with a flat structure — your work will be seen, valued, and acted upon at the highest levels of the organization •    Flexible working arrangements with a collaborative, close-knit team culture •    Strong employer commitment to technical training and career development •    Excellent total compensation — competitive base with a meaningful and well-structured bonus scheme

Broadgate are excited to be partnering with a New York based Regional Bank who are looking for a Senior Credit leader.   Essential Duties & Responsibilities Credit Governance & Approvals:Serve as a voting member of the Greenlight Working Group, Credit Risk Committee, and Troubled Asset Working Group.Exercise final credit approval authority within delegated limits; approve or decline transactions (new, extensions, modifications) that fall outside standard underwriting parameters.Approve and challenge C&I risk rating migrations between pass and classified/criticized.Provide effective challenge on material credit risk decisions prior to committee presentations, including policy compliance, risk ratings, exposure limits, and identified weaknesses.Credit Framework & Policy Oversight:Review, approve, and monitor credit policy exceptions, including trend analysis and remediation.Partner with the Chief Credit Risk Officer (CCRO) and risk committees to establish portfolio and counterparty limits aligned with the Bank's risk appetite.Anticipate and assess regulatory developments, macroeconomic conditions, and industry trends to proactively adjust credit risk practices.Remediate credit risk MRAs and internal audit findings.Portfolio Monitoring & Analytics:Oversee C&I portfolio performance — compare actual versus expected performance and recommend policy, structural, or underwriting adjustments where misalignments arise.Identify individual, aggregate, and emerging risks, including early warning indicators across transactions, industries, and portfolios.Analyze external and macroeconomic risk drivers and forecast their impact on portfolio performance; recommend responsive changes to lending policies and loan administration.Identify distressed assets early and develop risk-mitigation strategies to minimize potential losses.Oversee credit risk associated with complex or non-traditional exposures, including counterparty and structured transactions.  Skills, Education & Experience Education & Experience:Bachelor's degree; MBA or advanced degree preferred.20 years of progressive experience in financial services with deep expertise in credit risk management within a corporate and/or commercial lending environment,Significant leadership experience (typically 10–15 years)Deep subject matter expertise in at least one complex or specialized credit area (e.g., Private Credit, Lender Finance, Private Equity, Subscription Finance, CLOs, or similar structured credit products).Expert-level understanding of commercial and corporate credit underwriting, risk rating frameworks, credit policy governance, and exception management.Advanced knowledge of credit risk measurement methodologies, including loss forecasting, counterparty credit risk assessment, stress testing, and portfolio analytics.Strong command of financial analysis, quantitative risk indicators, and the use of data to support credit decisions and risk-based recommendations.Advanced knowledge of applicable federal and state banking laws and regulations, and regulatory expectations governing credit risk management.

Our client is on a mission to redefine how trust is established in B2B relationships. As a fast-growing commercial risk data and analytics company, their proprietary platform gives businesses unmatched visibility into 20M U.S. businesses by blending leading public and regulatory sources with exclusive, peer-contributed data — powering smarter decisions across customer acquisition, underwriting, fraud prevention, and portfolio monitoring.Having recently closed a significant Series A funding round, our client is entering their next phase of growth and is now looking to hire a Head of Data Science to lead the build-out of their data science function. Reporting directly to the CEO, this is a rare opportunity to join a high-growth fintech at a pivotal moment — shaping the analytical products that sit at the heart of the business and driving measurable commercial outcomes across embedded retail lending, BNPL, SMB lending, payment processing, and healthcare finance. If you're a hands-on data science leader with deep expertise in risk modelling, alternative data, and a passion for turning complex data into scalable, revenue-generating products — this is the role for you.Analytical Product Development•    Own end-to-end development of analytic products—from raw data ingestion to scalable, production-ready outputs•    Design and iterate on features, attributes, and models that convert proprietary data assets into differentiated, commercial products•    Partner with Product and Engineering to ensure solutions are robust, scalable, and embedded into workflowsScorecard & Attribute Development•    Design, build, and refine risk scores and predictive attributes across multiple use cases•    Manage and maintain multiple scorecard versions simultaneously•    Produce clear, audit-ready documentation of model methodologies to support client compliance and transparencyMachine Learning & Data Science Execution•    Develop and deploy machine learning models using Python, SQL, and modern ML frameworks•    Conduct exploratory data analysis to identify trends, signals, and opportunities•    Ensure data quality through rigorous preprocessing, validation, and monitoring•    Collaborate with data engineering to build scalable pipelines and support production ML workflowsAlternative Data Strategy•    Lead ingestion and productization of external and alternative data sources (e.g., cash-flow data, commerce platforms, vertical SaaS systems)•    Translate raw external data into structured attributes and predictive signals beyond traditional bureau data•    Identify new data partnerships that expand the organisation's data moat and product capabilitiesProof of Concept (POC) Delivery•    Partner with go-to-market teams to design and execute analytical POCs for prospective clients•    Translate client use cases into compelling, data-driven demonstrations that accelerate sales cycles•    Rapidly prototype and iterate models to showcase measurable valueTeam Leadership & Scaling•    Build, mentor, and scale the data science team•    Establish best practices for modeling, documentation, experimentation, and deployment•    Foster a culture of high standards, ownership, and continuous learningClient & Stakeholder Engagement•    Engage directly with clients as needed to explain methodologies and analytical outputs•    Support onboarding and ensure deliverables meet compliance and documentation requirements•    Communicate complex data science concepts clearly to non-technical stakeholdersCross-Functional Leadership•    Partner closely with Engineering, Product, and GTM teams to align on priorities and execution•    Ensure data science initiatives are commercially relevant and tied to business outcomes•    Define and support data governance standards for quality, security, and compliance•    Work with IT and Engineering to ensure scalable, efficient data infrastructureRequired Qualifications•    Advanced degree in Computer Science, Statistics, Mathematics, or related field•    5–7 years of experience in data science, including leadership responsibilities•    Deep expertise in machine learning, statistical modeling, and predictive analytics•    Strong hands-on proficiency in Python and SQL•    Proven experience building and deploying models at scale•    Demonstrated success developing risk scores, attributes, and scorecards (including version management)•    Experience working with alternative/non-bureau data sources (e.g., cash-flow, merchant, or platform data)•    Strong attention to detail, particularly in model documentation and compliance requirements•    Excellent communication skills, with the ability to translate complex concepts into business valuePreferred Qualifications•    Experience scaling and leading high-performing data science teams•    Background in fintech, embedded finance, SMB lending, payments, or merchant ecosystems•    Client-facing experience supporting POCs, sales processes, and onboarding•    Experience integrating and structuring third-party data sources (e.g., commerce platforms, vertical SaaS tools)•    Familiarity with big data technologies (Hadoop, Spark, NoSQL) and cloud ML platforms (AWS SageMaker, GCP, Azure ML)What Success Looks Like•    Launch of scalable, revenue-generating analytic products powered by proprietary and alternative data•    Measurable lift in customer acquisition, underwriting accuracy, or portfolio performance•    A high-performing, scalable data science team with strong standards and velocity•    Tight alignment between data science outputs and the organization's commercial strategy